How compound interest works
Compound growth earns a return on both the starting balance and previously accumulated returns. Regular contributions can have a large long-term effect because each deposit gets its own time to compound.
Using the investment growth estimate
Enter your starting investment, monthly contribution, expected annual rate, time horizon and compounding frequency. Try several rates instead of relying on a single forecast. A lower-rate scenario can provide a more conservative planning baseline.
What the calculator does not include
The result assumes a steady rate and consistent contributions. Actual investments fluctuate and may include taxes, inflation, fund expenses, advisory fees or withdrawals. This estimate is educational and is not a promise of future performance.